Enrollment :: What's New

What's New

XPO is pleased to introduce a new benefit website to guide you through Open Enrollment this fall. The new site offers a fresh, enhanced online experience, including:

  • Easy access to the majority of your benefit-related tasks
  • Mobile-friendly functionality for iOS and Android smartphones and tablets
  • Easy-to-use decision support tools
  • Web chat functionality
  • Best-in-class security

The new website will be available November 10, 2020. You will have the same single sign-on capability through myXPO Portal or you can access the site directly at www.xpo.bswift.com from your smartphone or computer.

And, when you log on during Open Enrollment, you will see your current 2020 benefit elections. If you don’t make any changes, your current elections will roll over automatically to 2021, except for spending accounts.

We’re transitioning the administration of our benefits to bswift for 2021. bswift will begin by handling Open Enrollment from November 10–24, 2020, and will take over the day-to-day administration beginning January 1, 2021.

As part of the transition to bswift, PayFlex will administer all three of our spending accounts — Health Care FSA, Dependent Day Care FSA and Commuter Spending Account — effective January 1, 2021.

If you are currently enrolled in the Health Care FSA or Dependent Day Care FSA, continue submitting your claims for expenses incurred through December 31, 2020 to WageWorks before March 31, 2021.

This past summer, XPO moved the administration of its 401(k) Plans to Fidelity. You now have access to new features and resources, including financial wellness resources, retirement planning support, a world-class call center and investor center branches throughout the country where you can meet face-to-face with an advisor. The website shows all of your Fidelity accounts in one place, provides access to interactive tools and resources and can help you improve and track your personal financial wellness. Additional information is available at www.myfidelitysite.com/XPO.

Health care costs are expected to go up by more than 6% across the country. We’ve been able to hold medical rates flat for the majority of employees and XPO will continue to pay 80% or more of the cost of coverage. Visit myXPO Portal for detailed cost information during Open Enrollment or review the personalized enrollment worksheet mailed to your home.

Just a reminder that we all share a responsibility to be smart health care consumers. Please review the Health Care Consumer Tips below for ways to save money.

The deductible for the Classic PPO will be $900 for Individual coverage and $1,800 for Employee + One or More coverage.

HSA Contribution Minimum

If you like the convenience of contributing to your Health Savings Account (HSA) through payroll deductions, you’ll need to contribute a minimum of $500 for the year.

  • If your 2020 contribution was less than $500, you must make a new election for 2021.
  • If your 2020 contribution was $500 or more, your election will roll over to 2021.

You Can Save More on Taxes

HSA contribution limits are set by the IRS each year. The amount you may contribute is triple-tax protected and depends on which HSA option you elect, whether XPO contributes, the coverage level you choose and your age.

  Under Age 55 Age 55 or Older
HSA Plus Employee Only Employee + 1 or More Employee Only Employee + 1 or More
2021 IRS Limit $3,600 $7,200 $4,600 $8,200
XPO Contribution $500 $1,000 $500 $1,000
Your Contribution $3,100 $6,200 $4,100 $7,200
Basic HSA Employee Only Employee + 1 or More Employee Only Employee + 1 or More
2021 IRS Limit $3,600 $7,200 $4,600 $8,200
XPO Contribution $0 $0 $0 $0
Your Contribution $3,600 $7,200 $4,600 $8,200

We’re re-balancing life insurance coverage, so there will be a change to company-paid Basic Life Insurance. However, the cost of Supplemental Life Insurance coverage will remain the same. During Open Enrollment, you can elect 1x your annual pay up to the $500,000 maximum without providing evidence of good health.

If you or your covered spouse uses tobacco, you will pay an extra $100 per month for medical coverage. If you are or your covered spouse is a former tobacco user (meaning you completed a tobacco cessation program in the past), you can avoid the $100 per month surcharge by verifying your status when you enroll. Previously, XPO required you to update your status each year during Open Enrollment on myHR Portal and to complete a tobacco cessation program each year. For 2021, your tobacco user status will carry over automatically from year to year.

Learn more here.

If your spouse enrolls in medical coverage through his or her employer related to a Qualifying Event, you can have the Spousal Surcharge removed, but it’s a good idea to call the Benefit Service Center within 45 days so the surcharge removal will be retroactive to the Qualifying Event date. Otherwise, the surcharge will be removed as of the date you call.

Whether you’re adding a dependent for the first time or responding to a random dependent verification audit, you will have 60 days to provide documentation. (Previously the timeframe was undefined.) If you do not provide documentation within 60 days, your dependent(s) will be removed from coverage. It’s also your responsibility to remove dependents from coverage once they become ineligible.

Health Care Consumer Tips

Being a smart health care consumer means you take the time to consider all of your health care options and make the best decision for your particular situation. Keep these tips in mind!

  • The Basic HSA or HSA Plus plan may be the best plan for you. With an HSA plan, you’ll pay less in payroll deductions. If you elect HSA Plus, you’ll also receive a contribution from XPO to help pay for eligible health care expenses. Learn more about HSAs.
  • You’ll save with an HSA or FSA. You’ll save valuable tax dollars and lower your taxable income when you open an HSA or Health Care FSA. The money you contribute or withdraw in these accounts is tax-free when you use it for eligible health care expenses.
  • Only use the emergency room for true emergencies. Trips to the ER can be expensive and cost you a lot out of your own pocket, so be sure you only visit an ER when absolutely necessary. Use urgent care facilities, schedule a visit with your doctor or use telemedicine when you have minor injuries or illnesses. Take advantage of LiveHealth Online for a nominal fee or 24/7 NurseLine for free. Nurses are on call to answer any health questions you might have and to provide guidance on emergency care, urgent care and more.
  • Consider generic prescriptions instead of brand-name prescriptions. Generic prescriptions are usually considerably less expensive and are approved by the FDA. Ask your physician or pharmacist if your prescription has a generic alternative and save money.


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